A Republican bill with 2 Republican cosponsors · See all 2 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 453.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
The Merger Process Review Act requires the Inspector General of every Federal depository institution regulatory agency to conduct a review every three years. These reviews focus on how the agencies handle merger applications for insured depository institutions. The process includes evaluating application processing times, identifying sources of delay, and assessing the impact of these procedures on financial stability and competition. Following the review, the Inspector General must issue a report to Congress and publish it online. The regulatory agencies are then required to provide a written response and a plan to implement recommendations where appropriate.
Yes· 3 of 4
- Scored +6
Does this make what the government does easier for the public to see?
The bill mandates that Inspector General reports and agency responses be published online for public access.
- Scored +3
Is this likely to grow the economy?
The bill aims to improve the efficiency of merger applications which can facilitate market competition and financial service availability.
- Scored +3
Would business owners be better off under this?
The bill targets the reduction of delays in merger applications, which can benefit owners of depository institutions.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Accountability and Transparency: The bill requires Inspectors General to issue reports to Congress and publish them online, and mandates that regulatory agencies provide a written response and an implementation plan. This ensures the public can see how agencies are performing (Section 2(b) and Section 2(c)).
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Improved Efficiency of Financial Processes: The review process specifically aims to evaluate and improve the timeliness and efficiency of merger application processing. This includes identifying sources of delay to help proposals meet statutory factors more quickly (Section 2(a)(1) and Section 2(a)(2)).
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Evaluation of Financial Stability and Competition: The review includes an evaluation of how merger procedures and approved mergers impact competition, financial stability, and the availability of financial products and services (Section 2(a)(4)).
Potential Negative Impacts for People
- No specific negative impacts or burdens are explicitly mentioned in the text of the bill.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill mandates that Inspector General reports and agency responses be published online for public access.
- Economy And Finance
- Is this likely to grow the economy? — The bill aims to improve the efficiency of merger applications which can facilitate market competition and financial service availability. Does this make it easier to run a small business? — By evaluating the impact of mergers on competition, the bill may help protect smaller institutions from being disadvantaged by slow regulatory processes.
- Demographic And Interest Groups
- Would business owners be better off under this? — The bill targets the reduction of delays in merger applications, which can benefit owners of depository institutions.
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-528.
- Placed on the Union Calendar, Calendar No. 453.
- 1/9/2026
- 1 Cosponsor added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 1 Cosponsor added.
- 12/9/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Warren DavidsonRepublican · Ohio
Michael LawlerRepublican · New York